When applying for a mortgage are tax credits used to work out the income?

Question

when applying for a mortgage to banks/mortgage lenders calculate tax credits as part of earnings or is it based soley on what your employment pay you?

Answer 1

It depends on the bank. We have just remortgaged with natwest and they have taken tax credits into account when working out my income. Some banks won't though.

Answer 2

It is based on the earnings from your employment tax credits are not considered.